Credit Card — To Clear the loan pre closing outstanding amount

sir
i taken the credit card loan amount of Rs 60,800 on 31.3.2008 and paying periodicaly due amout as on the payment date. So far i paid 18 months up to date and also i received statement date on 28.9.2009. the ballane total amount to be paid Rs-33,210/- 19 installment pending.i would like to Close the ballance out standing amount in one payment by cheque.kindly give me the detais for pre closing the out standing amount and also mention how to pay the amount by cheque dropping in to ATM or through Bank payment.based on the above Complient your employes are not giving proper guidlines to me.and also i made call to call centre to several times but no responses to that side that why i raise the complient.
I hope to see the reply asap.
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Credit Card — loan outstanding

Sir,
I have no credit card in my name so far, but today when I want to apply for a loan from the bank, they have informed me that I have a credit card loan for Rs.30,000/- since 2009, but I do not have any credit card in my name at all.How they have given my name in the CIBIL list without any credit card. Kindly persue the matter and issue a NOC early.
V. Krishnakumari

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